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Bill

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Bill

A 4927

Requires health insurance coverage of postpartum pelvic floor physical therapy.

2024-2025 Regular Session Introduced by Shama Haider and 3 co-sponsors

New Jersey bill requiring health insurers to cover postpartum pelvic floor physical therapy aims to improve maternal health access by eliminating insurance barriers to treatment.

Introduced in the Assembly, Referred to Assembly Financial Institutions and Insurance Committee
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Bill Summary · A 4927

Legislative bill overview

Bill A 4927 mandates that health insurance plans in New Jersey cover postpartum pelvic floor physical therapy as a covered benefit. The bill applies to all health insurance policies issued or renewed in the state and requires coverage without imposing additional cost-sharing on patients beyond standard deductibles and copayments.

Why is this important

Pelvic floor dysfunction affects a significant portion of postpartum individuals, causing incontinence, pain, and reduced quality of life, yet many insurance plans do not cover the specialized physical therapy that treats these conditions. This bill addresses a healthcare access gap by removing financial barriers to a clinically recognized treatment, potentially improving maternal health outcomes and reducing long-term complications.

Potential points of contention

  • Cost implications: Insurance carriers may argue the mandate increases premium costs for all policyholders, though supporters counter that preventive treatment reduces long-term expenses from untreated complications
  • Scope and duration: The bill's specific coverage parameters are unclear—questions remain about number of sessions covered, whether it includes all postpartum individuals, and the timeframe for eligibility
  • Clinical evidence standards: Some insurers may challenge whether current evidence sufficiently justifies mandatory coverage versus optional coverage or referral pathways

Compiled from official sources — confirm details with the bill’s official record.

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